credit card approval

[Anonymous]

I've worked hard on my scores the last few months going from the low 400's to over 600 in 4 months.What could be causing me not to get credit card approval ?What is credit card has an easier approval with scores as such?Thanks 

[SomewhereIn505]

What do you have now? What are your CL and utilization? 

[CreditInspired]

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@Anonymous wrote:

I've worked hard on my scores the last few months going from the low 400's to over 600 in 4 months.What could be causing me not to get credit card approval ?What is credit card has an easier approval with scores as such?Thanks 

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Welcome to MyFICO

Getting CC approvals is more than just your scores. It depends on many factors, which I've listed below:

• Are there any collections, judgements, or repossession on your report?
• Are there any 30-day, 60-day, 90-day lates on your report?
• Is there a BK on your account?
• As someone else noted, do you presently have CC accounts on your report?
• If you do have other loans or CCs, what is your utization across the board and also on an individual card or loan?
• How many inqs on your report?
• Last, but not least, where are you getting your scores? If they're not FICO scores, they are not dependable.

So, as you see, there are many, many factors that affect one's overall credit profile.

GL2U

[Anonymous]

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@CreditInspired wrote:

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@Anonymous wrote:

I've worked hard on my scores the last few months going from the low 400's to over 600 in 4 months.What could be causing me not to get credit card approval ?What is credit card has an easier approval with scores as such?Thanks 

---

Welcome to MyFICO

Getting CC approvals is more than just your scores. It depends on many factors, which I've listed below:

• Are there any collections, judgements, or repossession on your report?
• Are there any 30-day, 60-day, 90-day lates on your report?
• Is there a BK on your account?
• As someone else noted, do you presently have CC accounts on your report?
• If you do have other loans or CCs, what is your utization across the board and also on an individual card or loan?
• How many inqs on your report?
• Last, but not least, where are you getting your scores? If they're not FICO scores, they are not dependable.

So, as you see, there are many, many factors that affect one's overall credit profile.

GL2U

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+1 Absolutely!

[Anonymous]

Thanks for your response ,I've never had a cc before.As of now my ex-606 ,tu-617,experian-647 .I have 1 inquiry .2collections that were stated as charge-off but were not .They were paid in full. I have a long ways to go but I'm proud of my progress from the low 400's to where I'm at.

[Anonymous]

Thanks for your response .I never had a cc before. I have 1 inquiry and 2 collections that have been paid in full but,stated on my repert as a charge off.My experien-607,tu-617 and experian-647.I'm going to continue working harder though.

[Anonymous]

Thanks for your response .I have 1 inquiry and 2 collections that were paid in full but stated as charge off on the report.I never had a cc before.My equifax-607,tu-617 and experian-647.I will continue to getting it better.

[Anonymous]

1. Where’d you previously apply (Re: 1 inquiry)?
2. Have you considered disputing your collection accounts if they are reporting the wrong status?

[Meanmchine]

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@Anonymous wrote:

What could be causing me not to get credit card approval ?

Lets start with an easy question. What reasons were you given in the denial letters you received?

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[Anonymous]

I applied at JcPennys some months ago.I'm disputing them now .Thanks so much